Roof damage due to hail in MInneapolis is quite common. If you too own a home, you can save a considerable amount on your roof repair by taking some proactive steps to protect your roof against hail damage. By taking definitive steps to mitigate the affect of these frozen balls of precipitation on your roof, you not only ensure longer life of your roof but lesser roof repair expenses as well. For instance, it will be a good idea to invest in hail resistive roofing materials.
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To help you judge the seriousness of matter you should know that in the recent times, hail storms have produced baseball-sized hail. These have already caused extensive damage to roofs of residential properties in major cities as well as the suburbs. Given the size of the hail, you can easily imagine the degree of damage that they can cause to your roof, especially if it is made of asphalt shingles.
My home suffered damage from a severe hail storm this year. It broke out our two street facing windows and our upstairs window. It totaled the exterior of our cars and even destroyed the rosebushes my wife had tried to keep alive through the summer. And the hail damaged roof? The roof was wrecked, even I could tell that and I am no roofing expert.
My doorbell was ringing almost before the rain had stopped. It was an "Invasion of the Roofing Guys." I talked to no less than five on the first day. So who do you choose? They all pretty much say the same thing. Some guys seem more professional than others, some were very pushy and applied a lot of pressure for me to sign a "no obligation" contract. I felt like I was in over my head. Who was going to rip me off the least? That was the pessimistic thought that kept coming back to me.
I eventually picked a roofing contractor that seemed like a decent kind of guy. He talked to me about his family and he convinced me he was on my side. I have a pretty good BS detector and even though I thought he was a little too pushy, overall he seemed trustworthy. He had testimonials from other home owners whose roof installations he had done. He seemed knowledgeable. Based on my limited knowledge, I felt like he was the best guy to go with out of the many I had talked to. So I didn't take the time to call any of his referrals and I signed a contract. Things started well. We got the paperwork done and he received his first check and went to work. A large group of workers descended on my house and had the roof stripped before 10:00 am on the first day. By the morning of the second day it was done and they were gone. I was amazed at how fast the job went.
Right away, I saw some things that bothered me. They left nails in the yard and a pile of shingles for me to remove. I felt like full cleanup would include nails but I let it slide. I'm sure they assumed the shingles were mine so I would want the extras. I didn't need them, and how was I to dispose of them? But the roof itself just didn't look exceptional; it bowed in some areas and had some uneven spots. Basically, it looked like a poorly done job.
Being professional roofing contractors we know all too well the damage hailstorms can do. Hailstorms produce balls of ice ranging in size from a few centimeters up to nearly 6" in diameter. A 6" piece of hail is pretty rare, and would certainly do major damage to your home, but even the more common, smaller hail frequently does enough damage to roofs and siding to require major repair work.
Hail damage is not always easy to detect, especially if you have a two or three story home and cannot easily access your roof. Hail damage can leave your home exposed to potential water damage as well as limiting the lifespan of your roof. Because of this you should identify and deal with damage as soon as you can. If you wait too long you may also be denied by your insurance company when you finally get around to filing a claim for the repairs. Have there recently been any hail storms in your area? Do you suspect your home may have been damaged? The following steps will help you determine if there was any damage and outline the steps to getting it repaired.
Step One: Check around the exterior of your home for visible damage. Look for things like freshly damaged paint or dents in the siding. If you are able to safely access your roof, look for missing shingles or shingles with blisters or dents. Also, check for dings and dents in your gutters and downspouts.
Step Two: Check inside your home for visible damage. New water stains on your ceiling or running down your walls is a problem that needs to be immediately addressed! If you don't fix a roof leak in a timely fashion you could end up having to completely replace your roof, in addition to major repairs do to water leaking into your home.
Step Three: Contact your insurance agent right away and make sure they are aware of the damage. They will probably have one of their adjusters out to evaluate your home and prepare a cost estimate for the repairs.
Step Four: Contact your own local roofing contractor for an independent evaluation. Even if you trust your insurance agent and their adjuster, you should always get a second opinion from a roofing contractor you trust. Because they don't work for the insurance company they should be less biased in their assessment. Usually the roofing contractor you contact will be willing to communicate with the insurance company if there are any discrepancies in the two evaluations.
Step Five: Get everything in writing. The roofing contractor you decide to hire should provide you with a contract detailing the work to be done and what it will cost. You insurance company should also provide you with paperwork about the details of your claim. Cover yourself by getting as much as you need to feel comfortable in writing.
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